Prevent fraudulent transactions and improve cardholders' user experience.
To help Issuers and Fintechs to perform their ACS functions, PaybizACS is designed based on the latest specifications of EMVCo and provides vigorous Risk based authentication to perform frictionless authentication and ensures seamless customer experience for cardholders
PaybizACS enables card issuers, payments processors, and fintechs to conduct ACS functions with a focus on compliance and security, making sure that its users are compliant with the payments cards industry’s security and EMVCo compliance standards.
Single click in a mobile app (OOB), OTP, Fingerprint, Face recognition and Riskbased Authentication (RBA)
Advanced Security Compliance
PCI SSF, PCI DSS & PCI 3DS Ready
Support of all Major Card Schemes
Compatible with EMV 3DS and supports all major card Schemes
User-friendly and Secure Administration Portal
Web-based portal that allows for the configuration and administration of the entire system
PSD2 ready solution
Fullfil the SCA requirements
High Availalability
Clustering and load balancing to achieve horizontal & vertical scalability
BENEFITS
Merchant Benefits
Enhanced customer experience
Seamlessly integrates with various payment channels for a unified web and mobile experience.
Increased Approval rate with less fraud
Increases approval rates while reducing fraud through increased data exchange between merchants and issuers.
Flexible Integration
Provides a more flexible user experience with greater control, facilitating smoother integration of the authentication process within the shopping journey.
Regional Compliance
Ensures compliance with regional regulations by supporting strong customer authentication (SCA) for issuers, acquirers, and payment service providers in regulated markets.
Issuer Benefits
Minimized friction
Facilitates smooth communication between merchants and issuers by strengthening risk-based authentication, resulting in better authorization decisions and effective fraud detection.
Enhanced User Experience
Create a streamlined and secure authentication process for the cardholder in the event of a high-risk transaction to offer the best possible customer experience. It also helps to maximize approval rates while minimizing frauds through improved data sharing between merchants and issuers.
Multi-Device Authentication Support:
Ensures an optimal customer experience to secure card-not-present (CNP) transactions on PC, mobile, and other digital platforms.
Key Features
Strengthening Security and Streamlining Payments
Logibiz is a market contender within the 3D Secure space for years and provides the cutting-edge technology to help card issuers decrease the risk of card-not-present (CNP) fraudulent transactions.
Advanced Security Features
PaybizACS’s 3D Secure Access Control Server incorporates cutting-edge security measures, including multi-factor authentication, to provide robust protection against unauthorized access and fraudulent transactions.
Compliance with Industry Standards
Our server is fully compliant with the EMVCo 3D Secure protocol, ensuring compatibility with existing payment systems and adherence to industry regulations. This compliance guarantees seamless integration and consistent security across all transactions.
Compliant with 3-D Secure
schemes’ programs
PaybizACS is compatible with EMV 3DS and supports all major card Schemes like American Express SafeKey, Japan Credit Bureau (JCB) JSecure, MasterCard ID Check, MyDebit Secure, UnionPay, and Visa Secure.
Access to rich data points
Transmission of high-quality & rich data (such as location, device details, transaction, and merchant information) between the seller and the issuer through web browsers and mobile app SDKs.
Use of Frictionless authentication with improved decision-making
Use of the rich data that is transmitted during transaction processing to provide more accurate risk assessments through the risk engine component.
Enhanced mobile experience
Better shopping experience for shoppers using mobile apps through Native mobile assistance. The implementation of our 3DS2 solution can decrease the abandonment rate of your cart by as much as 25%.
Decoupled Authentication
PaybizACS’ adapter-based API that communicates through third-party authentication services which allows authentication outside of the traditional 3D Secure flow, enabling the cardholder to carry out the authentication offline without having to communicate with the merchant on the internet.
Let our experts learn more about your specific need in a 30-minute discovery call and assist you that how our solution can help in the best possible way.
Demo / POC
Try our solution by connecting it with your system and confirm the result before you decide.
Customization & Integration
We will customize the solution to meet your specific need and ensure seamless integration with your system as a unified unit.
Handover & Sign Off
We will ensure a smooth transition and provide comprehensive training & documentation to your team to formally Signoff the engagement.
Whether you have questions, need assistance, or are ready to explore our solutions? Reach out to us today for personalized assistance and support to meet your needs.
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How Access Control Server Works
The Access Control Server (ACS) in the Issuing domain is essential for preventing fraud in 3DS transactions. After receiving an Authentication Request from the Directory Server, the ACS confirms the cardholder’s identity using either a challenge or frictionless flow.
During a transaction, the ACS prompts for 2-Factor Authentication (2FA) using methods like One-Time-Passcode (OTP), Biometrics, or Risk-Based Authentication (RBA). The received data undergoes rapid processing across Issuing, Acquiring, and Interoperability domains, resulting in transaction approval or rejection between seconds to minutes.
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Downloadable brochure
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What is a 3DS Server ?
The 3DS Server provides a functional interface between the Directory Server (DS) and the 3DS Requestor Environment flows. 3DS Server is responsible for gathering necessary data elements for 3-D Secure messages, authenticating the DS, validating the DS, the 3DS SDK, and the 3DS Requestor, safeguarding the message contents. The 3DS Server also helps to protect the message content while it is being transferred to DS and vice versa.